To good drivers but when you are convicted of a DUI or DWI, your auto insurance rates will change for some time. The main component of how much auto insurance costs is based on the risk of you filing a future claim and only a few events are considered higher risk than being convicted of a DUI or DWI.
How much is auto insurance with DUI or DWI?
After a DUI or DWI conviction, you will face many financial penalties including fines by the state, court costs, legal fees and more. While the majority of these costs will end within a year, the effect of a DUI or DWI on auto insurance can last up to 3 years or more. Drivers can still find auto insurance with a driving under the influence conviction on their record, but your choices will be much more limited than before.
What auto insurance companies offer coverage to drivers convicted of a DUI or DWI?
This depends on where you live. While good drivers typically have a choice of 100 or more auto insurance companies, you may have only a dozen or so to choose from after a DUI or DWI.
If you live in a state with an SR-22 form filing requirement, it’s pretty easy to weed out the auto insurance companies who do not offer coverage since the SR-22 form has to be filed by the insurance provider. Any auto insurance company who does not offer an SR-22 form filing option cannot provide coverage to you. This is one way a lot of auto insurance companies avoid denying you coverage; they simply hide behind the “we don’t offer that service” line.
The most important thing in your search for cheap auto insurance with DUI or DWI is to stop feeling obligated that someone must insure you. The fact is all auto insurance companies are private companies, and you have seriously broken traffic laws posing a risk to everyone. There is a penalty to pay for this, so focus on finding affordable auto insurance rather than complaining why nobody will give you reasonable rates. Affordable auto insurance is available, but you will never pay the same as a good driver immediately after a DUI or DWI conviction.
Where do I find cheap auto insurance with DUI or DWI?
Companies like Progressive and the General Auto Insurance offer very competitive rates and coverage for high-risk drivers. And depending on where you live, there are other national and local brands who will also extend coverage. You need auto insurance to drive a vehicle and don’t even think about driving with no insurance as this will only lead to a lifetime of court hearings. You may have to compromise on coverage limits and possibly even take higher deductibles, but most drivers with a DUI or DWI go on and find auto insurance.
How much is auto insurance after a DUI?
You should expect to pay up to 200% or more of your current premiums once convicted of a DUI or DWI. Let’s say your auto insurance rates are now around $100 a month then high-risk insurance is probably $200 or more a month for the same or less coverage. There is no such thing as cheap auto insurance with DUI, but premiums are still mainly affordable for most people.
When will my auto insurance rates improve?
This really depends on a number of factors. A DUI or DWI may end up staying on your record for up to 10 years however just like your credit score the effect will decrease over time. You may not get much cheaper auto insurance rates for a couple of years, but you can start building a better risk profile by avoiding traffic tickets, taking a defensive driver course, avoid filing claims and practicing being a good driver.
At each renewal period, you should always apply to other typical auto insurance companies just to compare quotes. The formula for calculating auto insurance rates change frequently, and some drivers even find much more affordable car insurance after a year. The main focus is to simply build a good driving record and always compare auto insurance quotes a couple times a year. There is no charge to get a quote and the sooner you can get better auto insurance rates the more money you will save.